KR20030058010A - System and method for managing account using mixing words matched with account number, and storage media for having program source thereof - Google Patents

Abstract

PURPOSE: A system and method for managing an account is provided to enable a user to inquire a corresponding account number and to process various kinds of financial businesses using a combined word by storing the combined word which is memorized by the user for being matched with the account number of the user. CONSTITUTION: A system manages a withdrawal and a deposit of a bankbook account of a user received from each bank branch. A user inputs a combined word matched with an account number for the registration in each bank branch terminal(10) and waits an approval. If the bank branch terminal(10) transmits user information, an account number, and a combined word, a host computer(30) determines an approval of the combined word and transmits approval information to the bank branch terminal(10). The combined word is constituted by a combination of the Korean alphabet, the English alphabet, or numeral. The host computer(30) includes a DB(35) which stores user information including an account number with at least one combined word.

Description

Accounting system and method using combination words matching account number and record medium storing the program source

The present invention relates to an account management system and method using a combination word matched with an account number, and a recording medium storing the program source.

More specifically, a combination word that is easy for the user to store is stored by matching the combination word to the user's account number according to the user's request, and when the user later wants to inquire and transfer the account number. The present invention relates to an account management system and method using a combination word that matches the account number to be processed as the combination word instead of an account number, and a recording medium storing the program source.

Many people have asked to open a bankbook at one or more banks, so that one bank owns one or more bankbooks, which means that most users have multiple bankbooks but can't remember their account numbers. Carry or carry a passbook.

And, when you want to transfer money to your family or others, you have to take note of the other party's account number. If you lose it, you have to contact the other party to find out the account number and transfer the money.

Therefore, users have to take note of their own account or another person's account number, or if they do not have a passbook account number, they need to go to get a passbook to find out the account number or postpone work afterwards.

The present invention has been made to solve the above problems, by storing a combination that can be easily remembered by the user to match the account number of the user, if the user only remembers the combination of the account number and various financial services The purpose is to provide convenience to the user by allowing to process.

1 is a block diagram of an account management system using a combination of matching account numbers in accordance with the present invention

2 is a flowchart illustrating a process in which a user requests a combination word matching an account number and is approved to use the present invention.

3 is a flowchart illustrating a process of executing a money transfer by a user through Internet banking according to the present invention.

<Explanation of symbols for the main parts of the drawings>

2: financial common computer network 3: Internet network

4: PSTN 5: PC Network

10: branch terminal 20: ATM

30: host computer 35: DB

40: telebanking server 50: internet banking server

60: PC Banking Server 70: Mobile Banking Server

75: mobile service server 80: user terminal

In accordance with one embodiment of the present invention to achieve the above object, the invention described in claim 1, in the system for managing the withdrawal and deposit of the bank account issued by the user from each branch of the bank, the user requests to register A branch terminal of a bank for inputting a combination word matching an account number and waiting for approval; Combination matched with the account number, characterized in that it comprises a host computer for determining whether the combination word is approved if the user information, the account number and the combination word is transmitted from the branch terminal terminal and transmits the information about the approval to the branch terminal terminal. Provide account management system using English.

In addition, the invention described in claim 2 is the account management system using a combination word matching the account number according to claim 1, wherein the combination word is one or more words that are combined in Korean, English or numbers. Solve the problem.

In addition, the invention described in claim 3 is an account management system using a combination word that matches the account number according to claim 2, wherein the combination word is a telephone number or an email address.

In addition, according to claim 4, the host computer according to claim 1 or 2, wherein the host computer sequentially determines whether to approve the first combination word and the second combination word transmitted from the branch terminal terminal and approves to the branch terminal terminal. An account management system using a combination word matching an account number, characterized by transmitting information on whether or not, to solve the above problems.

The invention as set forth in claim 5, wherein the host computer includes a DB that matches user information including an account number with one or more combination words, and stores a DB corresponding to the account number. As the account management system used, the above-mentioned subject is solved.

In addition, according to the invention of claim 6, in the fifth aspect, the DB corresponds to a user's user information of a combination word matching the other account number, which is transmitted from the branch terminal at the request of the user and approved by the host computer. The above-mentioned problem is solved by the account management system using the combination word matching with the account number characterized by storing by making it store.

In addition, according to the invention of claim 7, according to claim 1, when the user establishes a call path through a public switched telephone network (PSTN) using a telephone, he is connected to a host computer, and recalls the combination word and password entered by the user. An account management system using a combination word matching the account number, characterized in that it comprises a telebanking server for transmitting to the host computer and the account corresponding to the combination word is processed according to the approval from the host computer, The above problem is solved.

In the invention described in claim 8, the ID, PASSWORD, and the combination word and password input by the user connected to the Internet network through the user terminal and connected to the Internet bank are transmitted to the host computer. An account management system using a combination word matching the account number, characterized in that it comprises an Internet banking server for supporting the account corresponding to the combination word according to whether or not from the approval.

In the invention according to claim 9, the ID, PASSWORD, and the combination word and password input by the user connected to the server supporting the mobile service through the user terminal and connected to the mobile bank are transmitted to the host computer according to claim 1. And a mobile banking server for supporting an account corresponding to the combined word according to the approval from the host computer, wherein the account management system using the combined word matching the account number is provided. Solve.

The invention according to claim 10 is connected to the host computer according to claim 6, wherein the user information is read from a bankbook or a card inserted by the user, and the user inputs the other account for the transfer of funds. An account management system using a combination word matching the account number, characterized in that it comprises an ATM for transferring funds from the DB to the bank corresponding to the other account number of the combination word corresponding to the user information. Solve one task.

In another embodiment of the present invention to achieve the above object, the invention described in claim 11, in the method for managing the withdrawal and deposit of the bank account issued by the user from each branch of the bank, (1) to the user's request Accordingly receiving a combination word matching the account number to be registered by the user from each branch terminal of the bank; (2) determining the approval of the transmitted combination word and transmitting the information on the approval to the branch terminal provides an account management method using a combination word matching the account number, characterized in that do.

In addition, the invention described in claim 12 is the account management method using a combination word matched with an account number according to claim 11, wherein the combination word is one or more words that are combined in Korean, English or numbers. Solve the problem.

In the invention described in claim 13, in the step 11, the step (1) is a combination of matching with the account number of the other line that the user intends to register from each branch terminal of the bank at the request of the user (1-1). Receiving a transmission; (2-1) Account using a combination word matching the account number, characterized in that it further comprises the step of storing the combination word matching the other account number in the DB corresponding to the user information of the corresponding user according to the approval or not. As a management method, the problem mentioned above is solved.

In addition, according to the invention of claim 14, according to claim 11 or 12, the step (2) is sequentially determined whether the first combination word and the second combination word transmitted from the point terminal terminal and the point terminal terminal An account management method using a combination word matching an account number, characterized in that for transmitting information on whether or not to approve the problem, the above-mentioned problem is solved.

In the invention described in claim 15, (3) when the user establishes a call path through a public switched telephone network (PSTN) by using a telephone, the combination word that the user inputs is connected to a telebanking server. And receiving a password from the telebanking server and transmitting information about whether the combined word and the password are approved to support processing of the account according to the user's request. As an account management method using the above-mentioned problem, it solves.

In the invention described in claim 16, (4) the user inputs an ID, a password, and the combination word and password inputted by a user connected to an internet banking server through an internet network using a user terminal from the internet banking server. An account management method using a combination word matched with an account number, comprising the steps of: receiving and transmitting information on whether the combination word and the password are approved and supporting the account according to a user's request. Solve one task.

In the invention described in claim 17, the method according to claim 11 receives (5) an ID, a password, and a combination word and a password inputted by a user connected to a server supporting a mobile service through a user terminal and connected to a mobile banking. A method for managing an account using a combination word matching an account number, comprising: transmitting information about whether the combination word and the password are approved and supporting the account according to a user's request. Solve the problem.

Further, in the invention described in claim 18, according to claim 13, (6) when a user inserts a bankbook or a card through an ATM, the user information read from the bankbook or the card is transmitted, and the user sends another bank account number to transfer funds. When inputting the combination word as the account management method using a combination word matching the account number comprising the step of supporting the funds transfer to the other account number of the combination word corresponding to the user information from the DB. The above problem is solved.

As another embodiment of the present invention for achieving the above object, the invention described in claim 19, the computer can read a program relating to a method for managing the withdrawal and deposit of the bank account issued by the user from each branch of the bank Claims [1] A recording medium stored in such a way, the method comprising: (a) receiving, at the request of a user, a combination word corresponding to an account number to be registered by a user from each branch terminal of a bank; (b) determining the approval of the transmitted combination word and transmitting the information on the approval to the branch terminal, wherein the account management method using the combination word matching the account number is characterized in that it is made. Provide a recording medium storing the program.

In addition, the invention described in claim 20, wherein the combination word is stored in the program for the account management method using a combination word matching the account number, characterized in that the combination word is one or more words that are combined in Korean or English or numbers. As one recording medium, the above problem is solved.

Further, in the invention described in claim 21, in the 19th aspect, the process (a) is a combination word matching the account number of the other line which the user intends to register from each branch terminal of the bank at the request of the user (a-1). Receiving the process; (b-1) an account using a combination word matching the account number, further comprising a process of storing the combination word matching the other account number in a DB according to the user's user information according to whether the approval is approved or not; The above-described problem is solved by a recording medium storing a program for a management method.

In addition, according to the invention described in claim 22, according to claim 19 or 20, the process (b) determines whether the first combination word and the second combination word transmitted from the point terminal in order to determine whether the point terminal terminal The above-described problem is solved by a recording medium storing a program for a method for managing an account using a combination word that matches an account number.

The invention as set forth in claim 23 is the combination word according to claim 19, wherein (c) the user establishes a call path through a public switched telephone network (PSTN) using a telephone, and is connected to a telebanking server, and the combination word input by the user. And a process of receiving a password from the telebanking server and transmitting information about whether the combined word and the password are approved to support the processing of the account according to the user's request. The above-described problem is solved by a recording medium storing a program for a method for managing an account.

In the invention described in claim 24, (d) the ID, PASSWORD, and the combination word and password inputted by the user connected to the Internet banking server through the Internet network using the user terminal are inputted from the Internet banking server. The program for the account management method using a combination word matching the account number, characterized in that it comprises a process for receiving and receiving the information about whether the combination and password is approved for processing the account according to the user's request The above problem is solved as a recording medium storing the above.

According to the invention of claim 25, in accordance with claim 19, (e) the user terminal connected to the server supporting the mobile service and receives the ID, PASSWORD and the combination word and password input by the user connected to the mobile banking Storing a program for a method of managing an account using a combination word matching the account number, comprising: a process of transmitting information on whether the combination word and the password are approved and supporting the account according to a user's request; As one recording medium, the above problem is solved.

In the invention described in claim 26, (f) when the user inserts a bankbook or card through an ATM, the user information read from the bankbook or card is received, and the user sends another bank account number to transfer funds. Inputting a combination word to the account management method using a combination word matching the account number, characterized in that it comprises a process for supporting funds transfer from the DB to the other account number of the combination word corresponding to the user information. The above-described problem is solved by a recording medium storing a program for a computer.

Further, preferred embodiments of the present invention include embodiments such as computer systems and computer program products programmed to carry out the method of the present invention. According to an embodiment of a computer system, a set of instructions for carrying out a method resides in one or more memories (RAM), which sets of instructions may be stored in another computer memory, for example in a disk drive, until needed by the computer system. It can be stored as a computer program product.

These objects, features and advantages of the present invention will be more readily understood by reference to the accompanying drawings and the following detailed description.

1 is a block diagram of an account management system using a combination of matching account numbers according to the present invention.

The system of the present invention includes a terminal computer 10 of a specific bank, an ATM 20, a telebanking server 40, and an internet banking server 50 in a host computer 30 that controls the overall financial business processing of the bank. ), The PC banking server 60, the mobile banking server 70 and the financial joint computer network (2) is connected.

The branch terminal 10 installed in each branch of the bank transmits the financial business requested by the user (customer) who visits the bank to the host computer 30 by the input of the bank employee, and subsequently performs the business according to the approval result. Will be processed.

The host computer 30 is a branch terminal 10 connected to the host computer 30, ATM (Automatic Teller Machine) 20, telebanking server 40, Internet banking server 50, PC banking The server 60 and the mobile banking server 70 collectively control the requested financial business, and through the financial joint computer network (2) controls the payment process to the other party.

In the past, users had to go to the bank in order to handle the financial affairs or visit the area where the ATM is installed.However, gradually, such as telebanking, PC banking, internet banking, mobile banking, etc. In the office or in the office is being serviced to handle the financial business through the user terminal (80).

To support telebanking (or phone banking) services, public switched telephone networks (PSTNs) (4) are connected to the telebanking server 40, Internet banking, PC banking, and mobile. In order to support banking, the Internet banking server 50, the PC banking server 60, and the mobile banking server 70 are connected to the Internet network 3, the PC communication network 5, and the mobile service server 75, respectively. .

When a user makes a call to a specified phone number using a wired or wireless telephone, a call path is established with the telebanking server 40, and the user inputs a user number or a user number that is given when the user applies for a telebanking transaction, and a telebanking password and When the passbook password is input, the information input by the user is transmitted to the host computer 30 through the telebanking server 40.

The host computer 30 causes the financial business requested by the user to be processed according to whether the information transmitted through the telebanking server 40 is approved.

Each bank may have a slightly different information input from the user during the telebanking service, and some banks require that the user enter a specific number of the security card given to the user when applying for a telebanking transaction.

Nowadays, Internet banking, PC banking, mobile banking, and the like are provided so that a user can access the Internet network 3 and the Internet banking server 50 through the user terminal 80 to process financial affairs. The user terminal 80 may include a PC, a laptop and a mobile phone, a web TV, and the like, which are connected to the Internet through the Internet network 3.

Among them, the process of financial services requested by users through Internet banking will be examined.

In order to use Internet banking, a user must first apply for an internet banking transaction at a bank. When the user ID specified by the user at the time of the transaction application is connected to the Internet banking server 50 and inputted, an input window for requesting registration of the user password is presented. If a user registers a password twice, after entering the user ID and password when using for internet banking, the user can receive the financial services desired by the user.

The user ID, the user information and the user password given when the user applied for the internet banking transaction are stored in the DB 35 of the host computer 30 through the branch terminal 10 of the bank which applied for the internet banking transaction. When a new registration is entered and a user ID and password are issued, a certificate is issued, and the user can process financial transactions such as account inquiry and fund transfer through the user terminal 80 where the certificate is issued.

Then, a method of managing an account by the user through the present invention system having the above configuration will be described in detail below.

2 is a flowchart illustrating a process of requesting and approving a combination word matching an account number to use the present invention.

First, 'combined words' suggested in the present invention are one or more words that are combined in Korean, English, or numerals and are designated by the user so that the user can easily remember them. One or more combination words may be assigned to one account number. That is, two combination words may be assigned to one account number.

For example, when a user requests to register a combination of words in a bankbook issued and owned by AA Bank, the user may use the 'Spending Cost Management Bankbook', 'Educational Savings Bankbook' or the telephone number '0114567890' or A combination word such as '2341133 pocket money' combined with numbers and letters can be generated and requested to be registered.

It is of course possible to specify an email address as a combination.

The combination word should not exceed a designated byte at the time of application, and there can be no spaces.

The user may visit the branch of the bank and request registration of the combination word (S100). In addition, through the ATM (20), Internet banking, PC banking, mobile banking, etc. can also register, modify, delete the combination. While requesting to open a new bankbook to a specific bank, a registration request may be made to match a combination word to an account number of an issued bankbook, or a registration request may be made to match a combination word to an account number of an already issued bankbook.

When a user prepares a 'trade application form' provided at a bank, a bank employee designates a combination word and submits it to the host computer 30 by inputting the user information, an account number, and a combination word of the user through the branch terminal 10. In step (S110).

When the combination word requested by the user is approved in the host computer 30, the host computer 30 transmits the approval information to the branch terminal 10 (S120 and S130).

If the user information or account number entered by the user is inconsistent with the information stored in the DB 35 of the host computer 30, the host computer 30 transmits information indicating the disapproval, and the combination word designated by the user is designated. If out or already exists, a message to re-enter the combination words is transmitted to the point terminal 10 (S125). To this end, the user may designate two or more combination words so as to determine whether the second combination word is approved if the first combination word is not approved in the host computer 30.

That is, the combination words designated by the user are sequentially determined.

For example, if the user requesting to register a combination word is '123-456789-02-001', and the combination word is to be designated as a 'living expenses management account', the user information and account number and the combination 'living expenses management' When the bankbook 'is transmitted to the host computer 30 through the branch terminal 10 and the authorization information is transmitted from the host computer 30, the combination word is stored in the DB 35 corresponding to the account number, and the user then Since the combination of the 'accounting for living expenses' instead of the account number '123-456789-02-001' will be able to process the financial business for the account.

In particular, the user may not only specify a combination word for the account number of the account book which he / she owns, but may also specify the combination word in the account number of the other person or another person that the user deals with. This will be described in detail later when describing the case where the transfer of funds is performed by another party.

As described above, a user who registers a combination word in the account number through the bank can process the financial business when visiting the ATM, telebanking, Internet banking, PC banking, mobile banking, web TV banking or bank branch in the combination word. .

When a user makes an account inquiry through a telebanking service, it is as follows.

When a user calls a specified phone number from a specific bank, the service list is output as a voice, and when the user presses a number corresponding to the 'account inquiry' service among them, a message is displayed for the user to press an account number to be inquired. .

At this time, the user may input a combination word registered by the bank. Combination words may be input by voice or by text through a phone capable of sending a text message. To this end, the telebanking server 40 should include an application that can receive a voice message or a text message input by the user, code it, and transmit it to the host computer 30.

When the user inputs a combination word in a voice message or a text message, and enters a password, the combination word and the password information are transmitted to the host computer 30, and if the password of the account number corresponding to the combination word matches, the account number requested by the user Inquiry history information to the telebanking server 40 to inform the user.

The account number can be provided by simply inputting the account number as '123-456789-02-001' as the combination word 'sense of living expenses'.

Next, a process of executing a money transfer by the user through internet banking according to the present invention will be described with reference to FIG. 3.

In this case, as above, the user must register a combination word in the account number through a bank or through internet banking.

Thereafter, when the user accesses the Internet banking server 50 through the user terminal 80 (S200) and inputs a user ID and password, the account number of the bank account opened by the user in the bank is presented.

Among them, when the user clicks the 'money transfer' service (S210), an input window for inputting an account number and amount of a bank to be transferred through a specific account number is presented.

Then, the user inputs a combination word corresponding to the account number to be transferred (S220).

At this time, when the user wants to transfer funds to the other party, the user must specify a combination word for the account number of the other party.

The combination word for the other account number can be specified by the user for the other account number where the user frequently transfers the funds, and if the bank account for the other bank is transferred to the BB bank, Combinations such as 'payment' can be specified.

Then, the account number and the combination word for the BB bank is stored in the DB 35 of the AA bank host computer 30. In the combination word, the account number and the bank code of the other row may be matched and stored together.

When the user inputs a combination word such as 'payment of monthly payment' in the other account number input window as above, or selects the other line and inputs 'payment of monthly payment' in the account number input window, the combination of the user information connected to the Internet banking It is checked whether the word is a combination word registered in the DB 35 (S230), and if the combination word is a combination word registered in the DB 35, the name of the counterpart corresponding to the combination word is presented.

When the user checks the name of the other party and inputs a transfer password, the funds designated by the user are transferred to the account number of the bank corresponding to the combination (S240, S250).

The process of transfer of funds as described above is similarly applied to ATM, telebanking, PC banking, mobile banking, web TV banking, etc., and a description of each will be omitted.

The present invention is not limited to the embodiments described above, and various modifications and changes can be made by those skilled in the art, which are included in the spirit and scope of the present invention as defined in the appended claims.

As described above, in the present invention, by matching and storing a combination word designated by the user to each account number so that the user can process the financial service without having to remember the account number of the person or another person, the user can save the financial service. There is an effect that can increase the convenience in processing.

In addition, the user has the advantage that can be used as a general combination of the above services to support financial services such as banking, ATM, telebanking, PC banking, Internet banking.

Claims (26)

In the system for managing the withdrawal and deposit of the account account issued by each branch of the bank, A branch terminal of a bank for inputting a combination word matching an account number that a user requests to register and waiting for approval; Combination matched with the account number, characterized in that it comprises a host computer for determining whether the combination word is approved if the user information, the account number and the combination word is transmitted from the branch terminal terminal and transmits the information about the approval to the branch terminal terminal. Account Management System using English. The method of claim 1, wherein the combination Account management system using a combination word matching the account number, characterized in that one or more words that are combined in Korean or English or numbers. The method of claim 2, wherein the combination Account management system using a combination word matching the account number, characterized in that the phone number or email address. The system of claim 1 or 2, wherein the host computer The account using the combination word matching the account number, characterized in that it is determined in succession whether the first combination words and the second combination words transmitted from the branch terminal and the information about the approval to the branch terminal in sequence Management system. The method of claim 1, wherein the host computer Account management system using a combination word matching the account number, characterized in that it comprises a DB for storing the user information including the account number and at least one combination word. The method of claim 5, wherein the DB Account using a combination word that matches the account number, characterized in that for storing the combination word matching to the other account number, transmitted from the branch terminal terminal at the request of the user and approved by the host computer in correspondence with the user information of the user Management system. The method of claim 1, When a user establishes a call path through a public switched telephone network (PSTN) using a telephone, the user is connected to a host computer, and the combination word and password entered by the user are transmitted to the host computer, depending on whether the host computer is authorized. Account management system using a combination word matching the account number, characterized in that it comprises a telebanking server for supporting the account corresponding to the combination word. The method of claim 1, The ID, PASSWORD, and the combination word and password inputted by the user connected to the Internet network through the user terminal and connected to the Internet banking are transmitted to the host computer, and the account corresponding to the combination word is based on the approval from the host computer. Account management system using a combination word matching the account number, characterized in that it comprises an Internet banking server to support processing. The method of claim 1, The ID, PASSWORD, and the combination word and password inputted by the user connected to the server supporting the mobile service through the user terminal and connected to the mobile banking are transmitted to the host computer, and the combination word is transmitted according to the approval from the host computer. Account management system using a combination word matching the account number, characterized in that it comprises a mobile banking server to support the corresponding account is processed. The method of claim 6, Connected to the host computer, and reads the user information from the bankbook or card inserted by the user, and enters the other account into the combination word for transfer of funds, and executes the combined word corresponding to the user information from the DB. Account management system using a combination word matching the account number, characterized in that it comprises an ATM for performing the transfer of funds to the bank corresponding to the account number. In the method for managing the withdrawal and deposit of the bank account issued by each branch of the bank, (1) receiving a combination word corresponding to an account number to be registered by the user from each branch terminal of the bank according to the user's request; (2) determining whether the combination word transmitted in the above is approved and transmitting information on the approval state to the branch terminal, wherein the account management method uses the combination word matching the account number. The method of claim 11, wherein the combination Account management method using a combination word matching the account number, characterized in that one or more words that are combined in Korean or English or numbers. The method of claim 11, wherein step (1) (1-1) receiving a combination word matching the account number of the other line that the user intends to register from each branch terminal of the bank at the user's request; (2-1) Account using a combination word matching the account number, characterized in that it further comprises the step of storing the combination word matching the other account number in the DB corresponding to the user information of the corresponding user according to the approval or not. How to manage. The method of claim 11 or 12, wherein step (2) The account using the combination word matching the account number, characterized in that it is determined in succession whether the first combination words and the second combination words transmitted from the branch terminal and the information about the approval to the branch terminal in sequence How to manage. The method of claim 11, (3) When the user establishes a call path through a public switched telephone network (PSTN) by using a telephone, the user is connected to a telebanking server, and receives the combined word and password inputted by the user from the telebanking server. And transmitting the information on whether the password is approved to support the processing of the account according to the request of the user. The method of claim 11, (4) Receiving the ID, PASSWORD and the combination word and password inputted by the user who accesses the Internet banking server through the Internet network using the user terminal from the Internet banking server, and receiving information on whether the combination word and the password are approved. And transmitting and supporting the account according to the user's request. The method of claim 11, (5) access the server supporting the mobile service through the user terminal and receive the ID, PASSWORD and the combination and password input by the user connected to the mobile banking and transmit the information on the approval of the combination and the password. Account management method using a combination word matching the account number comprising the step of supporting the account is processed according to the user's request. The method of claim 13, (6) When a user inserts a bankbook or card through an ATM, the user information read from the bankbook or card is transmitted. When the user inputs a bank account number in combination to transfer funds, the DB corresponds to the user information from the DB. The account management method using a combination word matching the account number, characterized in that it comprises the step of supporting the transfer of funds to the other account number of the combination word. In a recording medium in which a computer can read a program on a method for managing the withdrawal and deposit of a bank account issued by each branch of a bank, (a) at the request of the user, a process of receiving a combination word matching the account number to which the user intends to register from each branch terminal of the bank; (b) determining the approval of the transmitted combination word and transmitting the information on the approval to the branch terminal, wherein the account management method using the combination word matching the account number is characterized in that it is made. Recording medium where program is stored. 20. The method of claim 19, wherein the combination is A recording medium storing a program for a method for managing an account using a combination word matching the account number, characterized in that one or more words that are combined in Korean or English or numbers. 20. The process of claim 19, wherein the process (a) (a-1) a process of receiving, at the user's request, a combination word matching the account number of the other line that the user intends to register from each branch terminal of the bank; (b-1) an account using a combination word matching the account number, further comprising a process of storing the combination word matching the other account number in a DB according to the user's user information according to whether the approval is approved or not; Recording medium storing program about management method. The process of claim 19 or 20, wherein (b) The account using the combination word matching the account number, characterized in that it is determined in succession whether the first combination words and the second combination words transmitted from the branch terminal and the information about the approval to the branch terminal in sequence Recording medium storing program about management method. The method of claim 19, (c) when the user establishes a call path through a public switched telephone network (PSTN) using a telephone, the user is connected to a telebanking server, and receives the combined word and password inputted by the user from the telebanking server. And a process for transmitting the information on whether the password is approved to support the processing of the account according to the user's request. The method of claim 19, (d) Receiving the ID, PASSWORD, and the combination word and password inputted by the user who accesses the Internet banking server through the Internet network using the user terminal from the Internet banking server, and receives information on whether the combination word and the password are approved. And a process for transmitting and supporting the account according to the user's request, wherein the program is stored in the program management method using a combination word matching the account number. The method of claim 18, (e) accessing a server supporting a mobile service through a user terminal and receiving ID, PASSWORD and the combination word and password inputted by the user connected to the mobile banking, and transmitting information on whether the combination word and the password are approved or not; A recording medium storing a program for an account management method using a combination word matching the account number, characterized in that it comprises a process for supporting the account is processed according to the user's request. The method of claim 21, (f) When a user inserts a passbook or card through an ATM, the user information read from the passbook or card is received, and when the user enters a combination account number for a money transfer, the DB corresponds to the user information from the DB. And a process for supporting the transfer of funds to the other account number of the combination word in which the program for the account management method using the combination word matching the account number is stored.